Sterling United Federal Credit Union

Overview / Commentary
1330 W Franklin Street
Evansville, IN 47710

Sterling United Federal Credit Union is headquartered in EVANSVILLE and is the 50th largest credit union in the state of Indiana. It is also the 2,042nd largest credit union in the nation. It was established in 1956 and as of September of 2020, it had grown to 21 employees and 8,703 members at 4 locations. Sterling United Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school inPosey, Vanderburgh, Warrick County, Indiana or Henderson, Kentucky.
See current membership details

Reviews (1)

Home banking with Sterling United federal credit union

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Sterling United Federal Credit Union in Evansville IN., is a decent place for regular online banking needs. I've been banking with them for 18 years and mostly my experiences have been pleasant, however, just recently they have switched to a newer mobile service, which sometimes make simple transactions, somewhat impossible. It would be nice if we could receive a text message when their servers are down for maintenance. I had one particularly nightmarish scenario, when the credit union decided to transition to their current online program on "Black Monday". I was not able to move money around to various accounts due to servers down. I called the bank on that particular morning and talked to a helpful person who assured me that the bank would not place any fees on my account due to the server issues. Other than the occasional blips I recommend this credit union, because there are no check fees and the new app is accessible anytime you need to transfer money or deposit a check using it's mobile app.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Sterling United Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #11273
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.22%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$73.9MM$66.5MM
LoansQ3 2020vs Q3 2019$40.8MM$41.0MM
DepositsQ3 2020vs Q3 2019$65.3MM$58.4MM
Equity CapitalQ3 2020vs Q3 2019$7.6MM$7.5MM
Loan Loss AllowanceQ3 2020vs Q3 2019$269.00K$246.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$206.00K$294.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$0
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Sterling United Federal Credit Union Savings Account Rates

0.30%$100-IRA Share
0.10%$100-Share Savings
0.10%$25-Christmas Club
0.10%$100-Special Share Savings

Sterling United Federal Credit Union Checking Account Rates

3.04%-$10kSterling Advantage Checking Account

Sterling United Federal Credit Union CD Rates

0.75%$1k-60 Month CD
0.60%$1k-48 Month CD
0.55%$1k-36 Month CD
0.45%$1k-24 Month CD
0.43%$1k-18 Month CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month CD

Sterling United Federal Credit Union IRA Rates

0.80%$2.5k-60 Month IRA
0.65%$2.5k-48 Month IRA
0.60%$2.5k-36 Month IRA
0.50%$2.5k-24 Month IRA
0.45%$2.5k-12 Month IRA

Sterling United Federal Credit Union Locations
Branch Office1212 SAINT GEORGE RDEVANSVILLE, IN 47711-2364
Branch Office5727 VOGEL RDEVANSVILLE, IN 47715-7298
Main Office1330 W FRANKLIN STEVANSVILLE, IN 47710-1028
Corporate Office1118 W FRANKLIN STEVANSVILLE, IN 47710-1112

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